Search results for "banking"
showing 10 items of 282 documents
A Need for a Paradigm Shift in the Spanish Banking Sector? The Evolution from Regional to Multinational Banks in Spain.
2014
Since the approval of Spain¿s 2012 National Budget on March 30, 2012, some doubts and controversies have added up to many fears in the private sector regarding the measures and stimuli that the Spanish government was going to undertake. At the same time, this situation was in some measure aggravated by the financial backlog of many small and medium companies, which are and will continue, in the following years to be completely unable to comply with their financial requirements. In line with Boronat Ombuena¿s (2009a, 2009b, 2010, 2012) requirements in his new approach to finance and private sector liaisons, the purpose of this paper is to analyze the recent years of the credit …
What drives the disintegration of the loan origination value chain in the banking business
2015
Purpose - The purpose of this paper is to analyze the vertical disintegration of the bank loan origination value chain. This paper conducts a study on the credit information market from the perspective of the bank's decision to vertically disintegrate the loan origination value chain. The main aim is to identify the relevant drivers of the decision to vertically disintegrate the credit assessment phase in the lending business.Design/methodology/approach - Transaction cost economics and information asymmetry are the typical perspectives of analysis of the vertical scope of business value chains.Findings - This paper argues that in order to capture the drivers underlying the dynamic evolution…
Banku uzraudzības ietekme uz banku sektora attīstību: Azerbadžānas piemērs
2017
Šajā pētījumā autors lēsts auditu piemēroto banku sektorā, un to ietekmi uz nozari un valsts ekonomiku Azerbaidžānas. Pētījums sastāv no trim daļām. Pirmajā daļā jautājumiem tika izskatīti banku auditu vispārējās tirdzniecības un centrālajām bankām pasaulē un Azerbaidžānā. Otrajā daļā banku un audita sistēmu atsevišķās valstīs ir pētīta, ņemot vērā audita pārskatus un rezultātus bīja analizēti. Trešajā daļā autors salīdzināja Azerbaidžānas banku uzraudzību ar starptautisku uzraudzību. Izmeklēti Bāzeles principi un to pielietošana Azerbaidžānā un galvenās problēmas banku nozarē valstī. Atslēgas vārdi: banku, audits, Bāzeles Komiteta principi, finanšu uzraudzība
Riska pārvaldības analīze banku sektorā Latvijas reģionā
2019
Murtuzayev P. Riska pārvaldības analīze banku sektorā Latvijas reģionā: Maģistra darbs / P.Murtuzajevs, profesors, Dr.oec. Ērika Šumilo-Rīga: Latvijas Universitāte, Uzņēmējdarbības, vadības un ekonomikas fakultāte, Globālās ekonomikas katedra Starpnozaru studijas, profesionālās uzņēmējdarbības vadības maģistra studiju programma “Starptautiskais bizness” 2019. Riska pārvaldības problēma bankās ir kļuvusi par galveno diskusiju pēc nesenajām finanšu krīzēm. Ir veikti vairāki centieni, lai uzlabotu banku riska pārvaldību un produktivitāti, tostarp ieviešot Bāzeles Vienošanās. Šī dokumenta mērķis ir izpētīt un identificēt operacionālos riskus, ar kuriem saskaras banku sektors, kā arī preventīvos…
Money creation and the state : A critical assessment ofchartalism
2004
International audience; The article discusses various issues related to money creation and the state. Chartalists believe that attempts at separating the central bank's and the treasury's functions is merely confused discussion. Indeed, as economist L. Wray clearly states in response to previous critiques, it should be obvious, but it usually does not appear to be so that central bank liabilities do not differ in any significant degree from treasury liabilities; in other words, they can treat both as essentially high powered money or liabilities of the state. In this sense, Wray proposes to simply consolidate the central bank and the treasury, calling the conglomerate the State, and combine…
L'INCLUSIONE FINANZIARIA DEGLI IMMIGRATI: LA TUTELA DEL CONSUMATORE VULNERABILE NEI SERVIZI BANCARI
2021
This book analyzes the linguistic, economic, social and religious obstacles that hinder the immigrant's financial inclusion and attempts, given the current law and referring to comparative experiences, to identify private remedies to protect these consumers. The thesis deals with the problem of linguistic risk management of the immigrant consumer with hints of behavioral law and economics and a comparative analysis, and then focus on the problems of access to credit and current accounts; lastly, it is argued the admissibility of Shari'a compliant contracts. Through a systematic analysis, this work concludes that the vulnerable consumer figure has been codified in the sectoral legislation: d…
Consumer engagement and behavioral intention toward continuous use of innovative mobile banking applications - A case study of Finland
2016
This study tests the effects of users’ self-congruence and personal innovativeness on consumer engagement in the context of mobile banking (m-banking) and mobile payment (m-payment) applications. In addition, it examines the effects of engagement and perceived risk on continuous usage intention. We test our hypotheses with two convenience samples of users of m-banking and m-payment applications (total N=1516) using partial least squares structural equation modeling. The results show that a) selfcongruence positively influences all three types of consumer engagement, b) personal innovativeness has a small effect on cognitive processing and affection, c) affection and activation have a positi…
Banche e mercato del credito in Italia: tendenze di mercato, prospettive regolamentari e processi di disintermediazione.
2020
Il capitolo vuole fornire alcuni spunti di riflessione sulle tendenze del mercato del credito in Italia e sulle nuove prospettive regolamentari, in relazione alle innovazioni di carattere istituzionale e di mercato in atto nel sistema bancario italiano, adottando una prospettiva di osservazione che è quella dell’economia della banca. Nella prima parte saranno illustrate le dinamiche che hanno contrassegnato il mercato del credito italiano, nonché i principali profili gestionali relativi ai crediti deteriorati. Nella seconda parte saranno esaminati gli impatti sul mercato del credito delle nuove regole di vigilanza prudenziale, delle nuove regole contabili e sul capitale delle banche, i proc…
Crisi economica e vigilanza unica europea sulle banche: alcuni riflessi sul mercato dei servizi finanziari.
2015
This paper aims to examine some significant implications of the new European single banking supervision for the economics of banking and the market of financial services. It is one of the three pillars of the European Banking Union architecture, as part of a longer term vision for further economic and monetary integration in EU. The new supervisory mechanisms implies a huge and complex transfer of powers from national authorities to the European Central Bank. It aims to ensure the safety and soundness of the European banking system, increase financial integration and stability, and ensure consistent supervision. Banks are being held to common supervisory standards. The structure of this pap…
Antecedents of Market Orientation in The Banking Sector During Its Digital Transformation
2019
Firms are under increasing pressure to remain relevant for their customers and need to rethink how to remain market-oriented in the digital age. This is evident in the banking sector where the traditional banks are gradually being challenged by digital native competitors and growing customer demands. Consequently, this study examines what it takes to be market oriented in the banking sector at the age of increasing digitalization. Specifically, we focus on developing the theory on the antecedents of MO and examine how banks can regain market orientation under changing market conditions. Although Market Orientation (MO) has been a widely studied concept that has been applied in numerous diff…